451 Worcester Rd, Charlton, MA 01507 Property Records

Worcester County and Charlton Town property record for 451 Worcester Rd, Charlton, MA 01507

Property Summary

Property Type	Commercial
Details	3 ba · 3,668 sqft · built 1910
Lot Size	1.88 acres (82,084 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Aug 2016)
Tax Bill	$5,805 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Mar 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`CHAR M:0038 B:000A L:00014-2`

Property Details

APN / Parcel Number

Primary APN	`CHAR M:0038 B:000A L:00014-2`
Alternative APNs	`CHRL M:0038 B:000A L:00014-2` `M:0038 B:000A L:00014=2`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	5 Rooms
Units	2 Units
Building Area	3,668 sqft Garage

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	82,084 sqft (1.88 acres)
Total Buildings	2 Buildings

Location & Zoning

Street Address	451 WORCESTER RD
City	CHARLTON
State	MA
Zip	01507-1579
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	CB
Legal Block	A
Legal Lot Number	14-2
Jurisdiction	CHARLTON MA
Township / Civil Division	CHARLTON
Census Block Group	1
Census Block	1042
Census Tract	756102

Owner

451 Worcester Rd, a commercial property, is owned by an individual who bought it in August 2016.

Source: Worcester County and Charlton Town records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	451 WORCESTER RD, CHARLTON, MA 01507-1579
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Commercial Mortgage SAVERS COOPERATIVE BANK
Mar 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage SAVERS COOPERATIVE BANK
Mar 12, 2025	Deed of Trust, Mortgage · Commercial Mortgage SAVERS COOPERATIVE BANK
Oct 19, 2017	Deed of Trust, Mortgage · Commercial Mortgage SAVERS COOPERATIVE BANK
Oct 26, 2021	Quit Claim Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2016 · Amount on File
Deed Sale	Aug 25, 2016 · Amount on File
Prior Sale	Aug 2, 2013 · Amount on File
Deed Book / Page	55859 / 356
Transfer Doc	055859-356
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	451 WORCESTER RD, CHARLTON, MA 01507-1579
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00065388-1
Date	Jun 15, 2021
Book Page	65388/1
Instrument	82543

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	451 WORCESTER RD, CHARLTON, MA 01507-1579
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071729-218
Date	Mar 12, 2025
Book Page	71729/218
Instrument	19123

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	451 WORCESTER RD, CHARLTON, MA 01507-1579
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	071729-232
Date	Mar 12, 2025
Book Page	71729/232
Instrument	19124

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLTON MA
Property Address	451 WORCESTER RD, CHARLTON, MA 01507-1579
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	057903-377
Date	Oct 19, 2017
Book Page	57903/377
Instrument	115861

Lender

Name	SAVERS COOPERATIVE BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHARLTON MA
Recording Date	Oct 26, 2021
Property Address	451 WORCESTER RD, CHARLTON, MA 01507-1579
Document Number	66384-188
Book / Page	66384 / 188
Instrument Date	Oct 19, 2021
Instrument	150472
Transaction Type	Transfer
Record Updated	Nov 12, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	451 WORCESTER RD, CHARLTON, MA 01507-1579

Tax Assessment & Valuation

The 2026 property tax bill for 451 Worcester Rd was $5,805, up 3% from the year before.

Source: Worcester County and Charlton Town assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Massachusetts
County	Worcester County
County Subdivision	Charlton Town
Unified School District	Dudley-Charlton Regional School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2026	$5,805.00 (+3.02%)	$530,600 (+4.8%) Land $272,700 Building $257,900
2025	$5,635.00 (+2.49%)	$506,300 (+4.43%) Land $257,700 Building $248,600
2024	$5,498.00 (+15.48%)	$484,800 (+23.93%) Land $242,500 Building $242,300
2023	$4,761.00	$391,200 Land $210,400 Building $180,800

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

FEMA maps place 451 Worcester Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 30, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1982)
Most Recent Claim	Jun 1982 · tidal / storm surge

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 451 Worcester Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 57% of Massachusetts
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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